Advice from our business partners PIB Insurance Brokers to businesses with unoccupied premises

Following the Government announcement regarding additional measure to prevent the spread of Covid-19, a huge number of “non-essential” businesses have had to close doors and been instructed not to open for trade from 23/03/2020 for a minimum of 3 weeks.

Insurers are keeping a close eye on developments, and each insurer has a slightly different stance on a variety of areas, not least newly unoccupied premises. Regardless of this, we at PIB wanted to give some common sense advice to help our customers ensure they are taking the steps required to best protect their business premises’.

What should you do?

We understand that restrictions on travel may make this hard, but we would advice on the following where possible:

  • Turn off electricity, gas and water at the mains and drain down water systems, except those in use to maintain a sufficient level of heating to prevent freezing and fire suppression systems
  • Make sure all intruder alarms, fire alarms, sprinklers etc are in good working order and fully operational
  • Ensure all points of access are secured against intruders
  • Remove waste and combustible materials from the premises
  • Look to do an inspection of the premises as often as is practicably possible (every 7-14 days) and record these in case you need to refer to.

Please note, this is not an insurer specific list, and some providers may carry additional, or less strenuous requirements, however we feel that by following the above where you can, you help to protect your premises during this turbulent time and give yourself piece of mind.

If you require any further information please contact us on 01352 721300 or email